Ever Co-Signed on a Loan for someone but you don't actually make the payments? It can happen with our children as they are establishing credit worthiness. However if it is affecting your debt to income ratios while you are trying to finance a new real estate loan for a purchase or refi, we can work through it. Often times you can provide a 12 mo history of payments made on time with cancelled checks from the paying party, and the payment can be removed as a monthly liability for qualifying. Call me, I love being creative and will work through to find solutions that offer you a positive financing experience.